Competition is another issue. If we are to reduce the cost of premia, we must introduce a reasonable amount of competition in the car insurance industry. I worked for a number of months in an insurance brokerage. I was unable to quote people of my own age or a little older or younger when they rang seeking quotes. When I put their details into the system, I was unable to obtain a quote from the car insurance companies. In 1993, there were 17 insurance companies selling car insurance. By 1999, there were only five. There are probably only three or four now. That situation must be examined. If we are to resolve this problem, we must introduce competition into the market.